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player999 Brasil. Jan 03 2011 23:38. Posts 7978 | | |
So, I'm renting a car with a friend. It's, say, $500 each for insurance. He doesn't wanna spend that much on it, but I don't wanna go around without insurance. But if we crash or something, we're obviosuly gonna split the cost. So I came up with this: I pay him the $500 that would be my half of the insurance to HIM, and we get no insurance, and if something happens, it's all on him.
Am I out of line, am I an asshole, is this fair enough, what do you think?
EDIT: so he doesn't want to get the insurance because he can't really afford it (tho he will get the money somehow if some crash happens), it's not like he simply doesn't want to pay it. Does it change your opinion?
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| Browsing through your hand histories makes me wonder that you might not be aware these games are possibly play money. Have you ever tried to cash out? - Kapol | Last edit: 03/01/2011 23:54 |
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edzwoo United States. Jan 03 2011 23:42. Posts 5911 | | |
Seems +EV for him seeing as insurance people make money by taking vig on the odds you busting the car. |
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Uptown . Jan 03 2011 23:42. Posts 3557 | | |
100% fair, brillaint idea imo.
YOU MUST WRITE IT ON PAPER AND MAKE HIM SIGN IT.
you should both sign and date it, with the exact terms laid out. |
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wobbly_au Australia. Jan 03 2011 23:43. Posts 6540 | | | |
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Fujikura United States. Jan 03 2011 23:45. Posts 1795 | | |
Exactly what uptown said. It's fair, but I think since he's paying the full amount should you be in an accident, you have to give something more than 250... I think something like 300? Maybe I'm wrong... Tell him to not be a nit and just get insurance though, jesus!  |
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| aka SouL)Z(Isadie and SouL)P(Fujikura | |
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Fujikura United States. Jan 03 2011 23:45. Posts 1795 | | |
Oops I meant like $600 lol. |
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| aka SouL)Z(Isadie and SouL)P(Fujikura | |
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go rent a car from the car rental than get insurance from an insurance company.
dont get car insurance from the car rental place cuz they charge alot higher than a company that just does insurance.
but i think what you are offering is fair. |
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Jadyks United States. Jan 04 2011 00:43. Posts 26 | | |
If you rent a car from a car rental company, and you use any of the major credit cards, you get free car insurance as a credit card benefit. I assume you have a credit card or two so call the companies you have them from and double check. Free car insurance yay! |
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Maynard! United States. Jan 04 2011 01:00. Posts 4453 | | | |
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| Now I really am a busto. Thanks FTP. | |
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TheHuHu3 United States. Jan 04 2011 01:59. Posts 5544 | | |
If you are going your route you have to get this in writing.
However, what the fuck kind of insurance costs $1,000 from a rental place?
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player999 Brasil. Jan 04 2011 02:02. Posts 7978 | | |
its just a random example number and its not gonna happen anyway, its just about whether it was fair or not |
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| Browsing through your hand histories makes me wonder that you might not be aware these games are possibly play money. Have you ever tried to cash out? - Kapol | |
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Seems like a fair deal, however, I have to warn you to make it VERY clear what the insurance cover. It's not just "hey I pay you 500 and you take care of the cost if something happens".
You might as well disagree later if something happens, if the insurance cover it and not. And yeah trust me, it feels better to fight the company than your friend. |
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exalted United States. Jan 04 2011 03:23. Posts 2918 | | |
I think its a decent offer but isn't feasible. He already doesn't have the money to pay for insurance, if something actually does happen I think you are fucking him way too hard. Not sure of an elegant solution though, pretty interesting ethical question.. |
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| exalted from teamliquid :o | |
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LemOn[5thF] Czech Republic. Jan 04 2011 03:58. Posts 15163 | | |
Agreed, fair but not doable |
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Nazgul  Netherlands. Jan 04 2011 04:37. Posts 7080 | | |
It's fair but I also have my concerns about it. If you do crash, it seems like he won't be able to hold up his end of the deal. Which in turn is very fucked up cause you paid him $500 for it, which in turn may fuck up your friendship even though you guys had a fair deal. |
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| You almost twin-caracked his AK - JonnyCosmo | |
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JSquids United States. Jan 04 2011 06:20. Posts 1142 | | |
looks like both of u guys are ganna have to settle for 6 speed mountain bikes |
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| AKA StarsNStripes@azeroth | |
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call his dad up and tell your arrangement |
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guess what im trying to say is it doesnt make sense that he cant afford x but will miracle >2x if necessary which leads me to believe in the absolute worst case scenario he will ask his parents for money |
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Jun Croatia. Jan 04 2011 13:10. Posts 825 | | |
If he cant afford 500 dollar, how will he pay if the car crashes? |
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RICHI8 United States. Jan 06 2011 02:02. Posts 1341 | | |
This is hugely +EV for you. You're essentially transferring 100% risk to him for only $500 or $600. While the chance of you getting in an accident is fairly low, you have infinite liability if you do. No insurance company would ever take on that risk. |
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